Chase Sapphire Preferred® Card

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® Card offer in Chase offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Card Apply Now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
727
average
639
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99%* Variable Introductory Annual Fee of $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee Introductory Annual Fee of $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Oct 17, 2012

I applied back in March and was denied due to not having another CC with a similar credit limit of the $5000 minimum on the Sapphire Preferred. Back then my FICOs were EQ704 and TU709. After 6 months of working on my credit and getting new cards with larger limits, and getting increases on current cards, I applied last week and was approved!! I was approved with FICOs of EX715, EQ729. My AAoA is 3+ years, utilization of 1%, and my other CLs were $4250, $4000 and 2 $1250. They instantly approved me for $5000! Called the regular customer service number and had them overnight it to me for Friday because I wanted to book a trip. It didn't end up arriving. Ended up calling the Sapphire specific line and had them overnight it to me for Monday. I did receive it Monday but not at my business address as I had requested. O well, atleast it wasn't stolen out of my mail box(I live on a busy street)

So far I love it. It's a beautiful card, and has some heft to it. I've already received many compliments on it. The 40,000 bonus points(after spending $3k) surely doesn't hurt as I have already almost reached $2k spending on it.

Booking flights through Ultimate Rewards mall isn't cheaper in my experience. It does give you 3 points/dollar. But you can book through another travel website via a link on the site, and it will give you 4points/dollar, and its cheaper.

This card gives you 2 points/dollar when spent on travel(including taxis and tolls), 7% dividend on points earned in the year, no forex fees. Also if you have the Chase Trifecta(a chase checking account and the Freedom cards) the rewards really start adding up!

Review by SwiftTone

User Reviews

Average Rating: 9.4 out of 10 based on 319 user ratings.
Commented at Jan 29, 2015

I'm fresh out of college and have a score of 718, and my longest account is only 1 year old. I have a discover it with $1k limit, which they wouldn't raise despite multiple phone calls and 2 hard pulls. Then in October I tried to apply for the "junk mail" Amex Platinum Delta Skymiles offer, I had been receiving the brochures because I'm a frequent flyer and have Gold Medallion Status with Delta airlines for 3 years; not sure why i got approved with a $12k limit but I was happy. Then Last night i applied to CSP online and it gave me a 30 day message. I thought "oh crap" but this morning when I woke up I was checking to see how much money I have left in my Chase Checking's account, and boom the credit card is there with $21k limit! 

Review by scottkaiser1991
Commented at Jan 27, 2015

Being one of the top "elite" cards to have because of perks and travel points, I decided to apply to CSP to see if I could qualify to have the card. When I applied 1/22/15, CK was still using their old formula where my CK score was 738. The application was way more simple than expected and after pressing the "apply" button, I turned my head to look away to prepare myself for the "sorry your application has been denied". Well, I turned back to the computer after 30 seconds and I saw "Congratulations, you have been approved by Chase"...

I was estatic. My first elite medium CL card!!! CSP only gave me a CL of 5K, but it is a great start for someone who had "fair" credit only 4 months ago. Thanks to Credit Karma, in those 4 months I was able to rebuild my credit to where I could get the CSP. I travel internationally for my job so I can get the 40,000 points for spending $4,000 in 3 months without a problem. The no international fee was also a BIG plus for me trying to get this card. I am a British Airways Avion Member and along with me being a American Airlines AAdvantage member and just being also accpeted through Credit Karma for a AAdvantage Citi Platinum Preferred World Master Card with the sweet mileage deal they have, I could have 90,000 miles added to my AAdvantage membership!!! I found out that my CSP wouldn't be at my home for 7 business days, so I called Chase and spoke to a great representative who turned and expidited my CSP to me by overnight mail at NO CHARGE!!! If you get accepted, make sure you do this to get your card quicker. The card looks beautiful and astetically pleasing with the dark blue on top of metal. . Being a Visa Signature member is a plus too!!!! Cannot wait to start using it!!!

Review by Slimdog27
Commented at Jan 18, 2015

I obtained this card a year ago by product-changing a Chase Freedom. Although I missed out on promotional signup bonuses by not applying for a new card outright, I am glad I made the switch.

The Ultimate Rewards program is one of the best out there, and this card in particular helps maximize the best benefits of the program. The 3-2-1 (Travel-Dining-Other) rewards structure earns UR points faster than I'd imagined when I asked for the card, and this is a PERFECT card for anyone who travels for business as the extra rewards are targeted toward dining and travel and there are no international transaction fees.

I complement this card with my Amex Everday Preferred card, which earns a 3-2-1 (Groceries-Gas-Other) on categories the CSP doesn't cover.

Review by SteadyWinsTheRace
Commented at Jan 16, 2015

I have been looking at this card for the past 3 years when I first started building my credit. I was very surprised when I got approved instantly with a $5000 cl. Since i only have 3 years of history and an account in collections(paid) although its been almost 4yrs. Once i got the card i called customer service and requested a higher limit and got $6000.

Ive had the card for a month now and I've already racked up 7000pts on $2000 spent. The rewards make the card worth the anual fee which is waved the first year. The card offers many opportunities to rack up points with over 200 online retailers like Groupon which will earn you 4pts/$1, walmart, bestbuy, target offering 2pts/$1 & proactiv 26 pts/$1.

655 ck
capital one $1500

Discover it $1500

Macys $1800

Tjx $500

Old navy $400

Wells fargo secured $300

Review by mell8725
Commented at Jan 8, 2015

I am 19 year old college student with a CK score of 710 and a annual income of about $30,000 at the time when I applied I was a little hesitant when I applied due to my limited credit history my oldest card is 1 year old. I have a Capital One Secured Mastercard with a $250 limit, Capital One Journey Student Rewards $2,000 Limit, and a Amex Every day with a $4,000 limit. I have never missed a payment and I pay off the full balance of the cards each month. I applied for this card and got instant approval for $5,800. Looking forward to getting the card!

Review by Hindmave

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.